Preferred Financial Group

"We listen, we educate, then we perform like no one else in the industry."

"Do Disability Insurance Premiums Vary Between Males And Females?"


Yes they do and the differentials might surprise you. This is not a discrimination issue on the part of an insurance company. Essentially, insurance companies employee actuaries to analyze past accident and illness disability rates and correlate the findings to create “Morbidity Tables”. These tables are usually prepared separately for men and women and take into account factors such as, age, occupation, recreational activities, social activities etc. These tables are used to determine disability insurance premiums.


Hmm.... Proof positive that it pays to be a Female. Not only are women expected to live 4.6 years longer than a man, they are less likely than a man to become disabled from an accident or illness.